If someone is hurt or killed while staying at a private property rented out through Airbnb, HomeAway or a similar business, how does the victim or the victim’s family get compensation? Are these accidents covered by the company through which the victim booked the rental, or are they covered by the property owner’s insurer?
Premises Liability Claims For Airbnb Accidents
An article in the New York Times details two deaths at Airbnb rentals and the subsequent insurance issues. In one instance, a visitor at a Texas Airbnb rental died when a tree fell on him. In another, a visitor died due to carbon monoxide poisoning.
According to the article, Airbnb’s approach to insurance coverage has fluctuated in recent years. Within the last few months, it has begun to offer automatic primary coverage for liability that covers up to $1 million per incident. In contrast, HomeAway simply recommends that property owners purchase their own comprehensive coverage.
Of course, just because the negligent party has insurance coverage, whether through Airbnb or his or her own homeowners insurance policy, does not mean that getting compensation will be a simple task. For example, Airbnb-provided coverage is new, and there may be unique issues that the victim will have to face when pursuing a claim.
A victim may want to seek the help of an attorney in these premises liability cases. At the law firm of Leonard B. Gabbay, P.C., we know where to look to find coverage. We are well-positioned to overcome the challenges that may arise in a personal injury or wrongful death case involving the negligence of an Airbnb or HomeAway rental property owner.